Zacks Investment Research·Jun 22, 2026
2 Outperform Regional BanksCLST and LARK appear to have solid growth catalysts at reasonable valuations.
Landmark Bancorp, Inc.(LARK)Earnings, Financials & Key Ratios
LARK•NASDAQ•Banking & Credit
$30.67
10.0× P/E·Price updated Jul 6, 2026
AboutLandmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, including automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It has 30 branch offices in 24 communities across the state of Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.Show more
- Net Interest Income$56M+21.8%
- Total Revenue$96M+8.3%
- Net Income$19M+44.4%
- Return on Equity12.65%+28.0%
- Net Interest Margin3.47%+19.3%
- Efficiency Ratio47.13%-5.2%
- ROA1.18%+42.3%
- Equity / Assets10%+15.5%
- Book Value per Share26.25+11.1%
LARK Price & Volume
Landmark Bancorp, Inc. (LARK) stock price & volume — 10-year historical chart
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Stable Margin Expansion Amidst Regional Credit Concentration
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the bank shows consistent earnings growth with net income reaching $5.1 million in 2026Q1
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regional agricultural credit concentration
Key Thesis Takeaways
- Landmark Bancorp demonstrates a disciplined approach to organic growth, evidenced by a consistent rise in net interest income from $10.9 million in 2023Q4 to $15.0 million in 2026Q1.
- While the bank maintains a robust capital buffer with an equity-to-assets ratio of 0.10, investors should monitor the inherent risks associated with its localized Kansas-based agricultural and small-business loan portfolio.
- Future performance appears contingent on the bank's ability to manage its efficiency ratio, which has fluctuated between 45.4% and 53.5% over the last ten quarters.
Verdict Logic
the current valuation at a 1.22 price-to-book ratio and regional concentration risks warrant a cautious, wait-and-see approach.
LARK Growth Metrics
Landmark Bancorp, Inc. (LARK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.63%
5 Years7.58%
3 Years19.02%
TTM-
Profit CAGR
10 Years5.98%
5 Years-0.75%
3 Years23.87%
TTM28.23%
EPS CAGR
10 Years5.03%
5 Years-1.85%
3 Years21.54%
TTM24.03%
Return on Capital
10 Years8.21%
5 Years7.55%
3 Years5.36%
Last Year3.13%
LARK Recent Earnings
Landmark Bancorp, Inc. (LARK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.83
—
Rev
$24M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.77
—
Rev
$25M
—
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.81
—
Rev
—
—
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.71
—
Rev
$24M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.83 | $24M |
| Q1 2026 | Jan 28, 2026 | $0.77 | $25M |
| Q4 2025 | Oct 29, 2025 | $0.81 | — |
| Q3 2025 | Jul 24, 2025 | $0.71 | $24M |
Based on last 12 quarters of dataView full earnings history →
Latest LARK News
Recent stock market news and headlines for Landmark Bancorp, Inc. (LARK)
Peers Comparison
Key metrics vs top competitors for Landmark Bancorp, Inc. (LARK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $30.67 | $187.01M | 9.99 | 8.26% | 19.56% | 12.65% | 2.59% | |
| $23.10 | $222.78M | 15.82 | -9.41% | 16.49% | 8% | — | |
| $9.41 | $592.2M | 22.40 | 5.09% | 10.39% | 4.75% | — | |
| $27.68 | $382.93M | 8.52 | -1.55% | 28.51% | 12.62% | — | |
| $64.36 | $536.94M | 10.62 | 6.43% | 18.74% | 14.12% | — | |
| $26.55 | $88.98M | 19.38 | 6.61% | 10.82% | 6.22% | — |
Compare LARK vs Peers
Landmark Bancorp, Inc. (LARK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LARK SEC Filings & Documents
Landmark Bancorp, Inc. (LARK) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 21, 2026·SEC
Material company update
May 14, 2026·SEC
Material company update
Apr 29, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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LARK Frequently Asked Questions
Landmark Bancorp, Inc. (LARK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Landmark Bancorp, Inc. growing?
Landmark Bancorp, Inc. (LARK) grew revenue by 8.3% over the past year. This is steady growth.
Is LARK profitable?
Yes, Landmark Bancorp, Inc. (LARK) is profitable, generating $19.1M in net income for fiscal year 2025 (19.6% net margin).
Dividend & Returns
Does LARK pay dividends?
Yes, Landmark Bancorp, Inc. (LARK) pays a dividend with a yield of 2.59%. This makes it attractive for income-focused investors.
What is LARK's return on equity?
Landmark Bancorp, Inc. (LARK) has a return on equity (ROE) of 12.6%. This is reasonable for most industries.
Industry Metrics
What is Landmark Bancorp, Inc.'s net interest margin?
Landmark Bancorp, Inc. (LARK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is Landmark Bancorp, Inc.'s efficiency ratio?
Landmark Bancorp, Inc. (LARK) has an efficiency ratio of 47.1%. This is excellent, indicating strong cost control.